• Condo Insurance covers loss to your condo resulting from fire, lightning, windstorms, hail, collapse, vandalism, burglary, theft, and more. It also covers your personal contents, appliances, fixtures, unit interiors, alterations, and improvements. (See below for additional coverage).
  • Most condominium associations insure the building structure and common areas, but each unit’s interior construction is the responsibility of the condo owner. Example: A fire spreads to several condo units causing smoke and fire damage to your unit; you would be responsible for the interior repairs, including sheetrock, flooring, cabinets, lighting fixtures, etc. including your contents as well.


  • The building structure all the way to your interior paint.
  • The condo association liability will cover all common areas, including stairwells, hallways, walkways, parking lots, pool areas, and grounds. Your policy will act as a backup if condo association’s liability becomes exhausted due to the extent of the liability loss. Example: A fatality or serious accident goes over condo limit. See below for explanation of “loss assessment coverage”.
  • We highly advise you to get a copy of your condo association’s master policy, to check, verify, and compare with any other exposure of which you may not be aware. Some master policies differ from one condo association to another.

    Please call (504) 441-RATE(7283) for content replacement costs for both apartments and condos. Operators are standing by.


  • We will work closely with you to determine replacement cost coverage sufficient to remodel your entire interior, as well as what it would take to replace the number of rooms containing contents assuming a total loss occurs.
  • Please keep in mind that your bank or mortgagee will require approximate loan balance coverage. We will work towards finding a happy medium for all parties without going over or under the required interior structural coverage.
  • Refer to replacement cost estimators below to determine as closely as possible your content replacement. This does not include the interior walls, fixtures, floors, or cabinets.


  • NO… Flood insurance is written as a separate coverage.
  • First floor condos should definitely consider flood insurance. No matter in which zone you live, we are all exposed to flooding, stormsurges, torrential rain, pumpstation and levee problems that cause water damage to your home. When it comes to buying flood insurance, FEAR is your best motivation.
  • Refer to our flood section for additional information for rates and coverage.


  • Contents are covered on and off premises so if you are out of town on vacation or on a business trip, your personal belongings, if lost, stolen, or destroyed, such as cameras, video recorders, luggage, or laptop are included under extended coverage up to 10% of total content.
  • Content Extended Coverage also includes a family member who may be residing off premises with a home computer and other personal belongings at the college dormitory.
  • Premises Guest Liability will protect you from lawsuits for slips or falls that are caused by your negligence. This liability also extends coverage off premises to include all household members if they cause an accidental injury to anyone. Example: Your son is on the softball team. While at the playground, he throws the bat, accidentally hitting another player; your $100,000 or $300,000 liability limit will protect you.
  • As a result of a major lawsuit caused by an on-premises fatality, homicide, sexual assault, or other serious incident that occurs on the condo’s property, but not necessarily your condo location, you can be named as one of the plaintiffs. At this point, your Loss Assessment Coverage would kick in giving you additional money up to $100,000 should the awarded amount exceed the condo building’s coverage limits.
  • $1,000 or more (see availability) of medical coverage is provided for any guest that is accidentally injured on the premises. A cut, a burn, a fall, anywhere on the premises is covered for a guest or visitor. More accidents occur at home than anywhere else. Accidents will happen.
  • Other Special Limits of Liability include: $1,500 for loss due to theft of jewelry, watches, furs, precious stones, and another $1,500 towards loss of securities, deeds, accounts, evidence of debt, and important papers such as letters of credit, and the cost to replace them.
  • Policy also includes Automatic Coverage on firearms, watercraft, trailers, fishing equipment, outboard engines, monies, bank notes, bullion, and coins.
  • Additional Living Expenses are covered if your home or apartment is made uninhabitable by any covered peril. Also pays for increase in your living expenses during your displacement due to mandatory evacuation.


Keep good records of all your personal belongings with photos or video tapes, owner’s manuals, sales and credit card receipts, and cancelled checks. Good records will accelerate your claim handling. In anticipation of a total loss, you should keep additional records off site.


  • A personally owned mortgage protection policy can solve this and other exposures that a mortgage holder faces over a 30-year period. This Home Impact Plus Package Policy will pay your house note if you become disabled due to an accident or illness, or if your employer lays you off. Statistics show 12 in 100 die before paying off their home, while 48% of all foreclosures are the result of disability.
  • Home Impact Plus Plan offers much more than a bank’s single interest policy covering only the loan balance due to death. Please review the following highlights of the Home Impact Policy benefits available to fit your specific needs:
  1. Death Benefits to cover mortgage balance.
  2. Refund of Premium at end of policy period.
  3. Unemployment Protection.
  4. Disability Protection.
  5. Critical Illness Rider (advances 75% of death benefits).
  6. Mortgage Co-Holder Protection.
  7. Accidental Death.
  8. Spouse Rider.
  9. Child Rider.

    For more information and rates, please contact our Personnel Lines Department directly at (504) 441-RATE(7283) or complete the quote request form.

Products Associated with Condominiums:

  1. Discounts available on package Auto/Condo/Flood.
  2. Mortgage Life - low cost coverage that makes it very affordable to pay off your mortgage in the event of
  3. death, disability, unemployment, or critical illness.
  4. Personal Umbrella for up to $5,000,000.
  5. Personal Disaster Policy.
  6. Boat, RV, and Motorcycle Discounts.
  7. In-Home-Business Coverage.

    Additional information on above products is available on our website.

Proof of Required Documents:

  1. Alarm System Certificate if you received discount.
  2. Proof of gated community with security (picture).
  3. Pictures of front and back of building.
  4. Proof of prior coverage, if applicable.
  5. Current Appraisal.
  6. Lien holder requirements and mortgage clause.
  7. Exact closing date for binder to start.